Businesses

Here at SFG we have been serving business owners and their employees for many decades. Business owners have a wide range of needs and at SFG we are focused on building programs that blend the business culture they have defined with the unique characteristics of their employees.

• The most important and probably the most challenging opportunity we have is to help protect all that the business owner has built through our consultative approach by crafting, recrafting, or reviewing their most important document…. the buy-sell agreement.
• Life is unpredictable and the “words on the page” will come to roost upon an event that “triggers” the agreement. Our goal is to make sure that the disruption and divergence that can manifest itself upon such an event is minimized.

• The group medical market has consolidated tremendously. There are only a few large insurance companies left in addition to some other smaller State programs.
• Based on our many decades of experience in this market, it all boils down to creative thinking, basic “blocking and tackling” consulting, and hands-on servicing, and utilizing technology to ease any administration issues.
  • My strategic partner is a member of United Benefit Advisors (UBA). It is a tight knit group of 140 shareholders across the country sharing best practices, wisdom, benchmarking data, and market knowledge. UBA by size is one of the top 10 Broker groups in the US.

• As a plan sponsor, a business owner’s personal balance sheet is at risk for breach of any of their fiduciary duties. We help owners better manage and mitigate their personal liability as a plan fiduciary.
• ERISA under the new SECURE Act and the DOL are significantly increasing fines. Managing your personal liability as a sponsor and trustee of your company’s retirement plan has become increasingly paramount.